Real estate appraisal services for homeowners in the city of and Minnehaha County

See the top 7 reasons why homeowners call on Smart Appraisals:

  1. Find the right listing price (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. Remove PMI to cut your monthly mortgage payment
  4. To reinstate your Home Equity Line of Credit (or HELOC)
  5. To review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate in

Need help deciding the price of your home in or near , ?
Contact Smart Appraisals.

At Smart Appraisals, we understand the special needs of a consumer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your home, it's often very hard to be objective about it. Our professional appraisers at Smart Appraisals are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. In addition to helping you set a realistic price to sell at so your property will attract interested buyers, a professional appraisal is a very valuable negotiating tool once you have a likely buyer. It's something tangible to show your buyer. It's an independent third party's opinion of your house's value, and not just you saying how much you think your home is worth. Interested buyers know you have an emotional attachment to your house and will be more likely to give credibility to a seasoned appraiser's value opinion than yours.

Need to cancel PMI?

A fashionable way to cut costs for homeowners is to get the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Once your mortgage loan amount is below 80% of the value of your home, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. We're experts in helping homeowners just like you remove unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your house overvalued if your house not appreciating as much as other houses close to yours. That only means you're most likely paying more taxes than you should. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting an appraisal report from Smart Appraisals is your chief weapon.

Recently got a freeze your HELOC?

Your lender just may make the decision to automatically freeze your home equity line of credit (HELOC) if your house is in or near a declining area -- even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow standpoint, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Smart Appraisals can help you reinstate your HELOC.

Need Field and Desktop Appraisal Review Services?

Do you need a veteran appraiser to double-check your appraisal for efficiency, or do you need a second opinion without the added expense and delay of waiting for a whole new appraisal? In a field review we will go out and check the subject and comparables in question. Or, if you're in a hurry, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have had in the past. While typically requested by banks, you may want to exploit this service if you suspect mortgage fraud related to your house.